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Chris Philmon

Chris Philmon

Loan Officer

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Bio of Chris Philmon

Chris is a seasoned mortgage loan officer with 21 years of experience. Over the years, he has developed a passion for helping self-employed borrowers obtain financing, which he describes as a puzzle to be solved. Chris finds the uniqueness of every loan situation to be challenging and enjoys overcoming the obstacles they present. He takes pride in knowing that he has helped people secure home loans who may not have been able to do so otherwise.

Mortgage Market Interest Rates

Interest rates for mortgages can vary significantly from one borrower to the next based on the specific details of the transaction. Some of the main factors that affect the interest rate are credit score, down payment or loan-to-value, the type of mortgage, and how long the interest rate is locked.

The information below depicts average rates on a national level. These rates are not specific to BankSouth Mortgage but are provided to give a general idea of where rates are nationally for different loan types. This information is calculated from actual locked rates with customers across 35% of all mortgage transactions nationwide.

Information in this chart is for illustrative purposes only and is not intended as an advertisement. This is not a commitment to lend and does not guarantee the availability of any particular product or interest rate. Rates/terms illustrated in the chart may not be available through BankSouth Mortgage. Rates and information in this chart are powered by OBMMI™ (“Optimal Blue Mortgage Market Indices”). The OBMMI™ methodology takes the average rate of all appropriate interest rates locked through the Optimal Blue, LLC (“Optimal Blue”) product and pricing engine (“PPE”) on a given day. No adjustments to the rates that account for buy-up or buy-down decisions made by individuals are performed. These indices leverage data from Optimal Blue PPE lock requests (approximately 35% of all locks nationwide) aggregated daily and updated nightly with the previous day’s locks. Weekends and holidays are excluded. All applicable product types are included unless otherwise specified. The content contained on this chart is that of Optimal Blue and may change at any time without notice. Optimal Blue makes commercially reasonable efforts to provide reliable information, however it does not guarantee that the information is accurate, current, or suitable for any particular purpose. In addition, this content is, therefore, provided on an “as is” basis and Optimal Blue makes no warranty, guarantee, or promise, concerning the accuracy or timeliness of indices listed and maintained by Optimal Blue nor is Optimal Blue responsible in any manner for any damages whether direct, indirect, special, or consequential, howsoever caused, arising out of use of this web site, or reliance on the information it contains.

What Customers Say About Chris Philmon

4.98
Ratings
28
Total Reviews
Powered by Experience.com
M
Monique D
FAIRBURN - GA
Posted on December 1, 2023
5.0
verified-review
Great service!
G
Gail C
ACWORTH - GA
Posted on November 20, 2023
5.0
verified-review
Easy and efficient
S
Shannon M W
MARIETTA - GA
Posted on November 14, 2023
5.0
verified-review
My husband and I had the best experience working with Chris. Chris and Nicole both were easy to communicate with and walk us through the entire process with ease. Nicole is incredibly prompt in finding us answers and thoroughly explaining steps and processes. Appreciate all of their patience and knowledge.
D
Darryn K
ATLANTA - GA
Posted on November 14, 2023
5.0
verified-review
Chris and his team made it possible for me close my loan in less than 30 days. Great communication all around. I would definitely refer anybody looking to purchase or refinance to his team.
C
Carol S S
SANTA ROSA BEACH - FL
Posted on September 23, 2023
5.0
verified-review
Wonderful working with Chris and his team!
M
Mary E C
CANTON - GA
Posted on August 12, 2023
5.0
verified-review
Chris Philmon with confidence said he will take me to the Closing Table with a Bank Statement Loan and he did with "Grace and Ease". I am so grateful and appreciative of his business ethics. Unlike previous experiences with other lenders where I lost earnest money due to unprofessional practices. Chris restored my faith, ethical people still exist in the constantly changing housing industry. If you need a Bank Statement Loan I highly recommend Chris Philmon at BankSouth Mortgage with his straight forward business ethics to take you to Closing. Thank you Chris!
W
William B E
KENNESAW - GA
Posted on June 18, 2023
5.0
verified-review
Chris and his team went above and beyond to make buying our first home an incredibly easy and straightforward process. They were on top of all emails and quick to respond if we ever had any questions, even outside of normal business hours. I can’t recommend Chris enough!
B
Brik E
-
Posted on June 18, 2023
5.0
verified-review
Chris and his team went above and beyond to make buying our first home an incredibly easy and straightforward process. They were on top of all emails and quick to respond if we ever had any questions, even outside of normal business hours. I can’t recommend Chris enough!
B
Benjamin P
AUGUSTA - GA
Posted on June 11, 2023
5.0
verified-review
Chris and his team are Top-Notch professionals that know the business and go above and beyond to make sure you're successful! During the closing process, there are always bumps in the road but Chris and his team are super quick to react and mitigate the issues, which keeps everything moving positively forward. You are in great hands with this team and you will not be disappointed! Sending my appreciate and highest praises - thank you!
J
Justin C
PORT ST JOE - FL
Posted on May 23, 2023
5.0
verified-review
Chris is very hands on and knowledgeable about the process and product that he recommends.

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